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  • Loans Calculator

    Calculate the loan amount you can borrow or alternatively, the monthly payments you can afford.

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    You can borrow only a maximum amount of.


    Rate of interest is 5.75% pa.

    24 Months

    Adjust repayment tenure to change EMI

    This is for demonstrative purpose only. Call 1801801 or visit a branch for exact calculations.

  • Loan Refinancing Calculator

    The above approximate calculation of the loan is for guidance only and does not entail any kind of obligation or liability on the bank. This operation and its result assumes that you have paid all your installments on time, your loan term did not have a grace period and you have not made partial payments to your loan. Kindly note that Government loans cannot be refinanced.Please contact 1801801 or visit any branch to confirm.

  • Term Deposit Calculator

    This is for demonstrative purposes only. Call 1801801 or visit a branch for exact calculations.

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  • Al Jawhara

    Calculate your chances to win with Al Jawhara


    The minimum deposit is KD 50 and maximum deposit is KD 500,000. Terms & conditions apply.

    In case of no withdrawal within the holding period, extra chances will apply

  • Weather

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    Wind Speed 28.97kph
    Sunrise 5:10 am
    Sunset 6:22 pm
    Updated: Thu, 27 Apr 2017 04:00 AM KWT
  • Prayer Timings

    Kuwait Prayer Times
    Thursday,April 27,2017

    • Fajr 03:46 AM
    • Sunrise 05:10 AM
    • Dhuhr 11:46 AM
    • Asr 03:21 PM
    • Maghrib 06:21 PM
    • Isha 07:43 PM
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  • NBK Miles Points Calculator

Visa Signature


Make a statement with an NBK Visa Signature Credit Card, designed to complement the discerning lifestyle of a privileged few. By invitation and exclusively for Privilege Banking customer, it promises a range of superior features and benefits, including the NBK Miles program that gives you NBK miles points for every KD1 that you spend when using your card in Kuwait and abroad,  and you can redeem the miles points for all travel bookings. The card also provides you with complimentary access to more than 500 lounges in over 300 airports worldwide, free travel insurance and exclusive instant discounts at the finest restaurants and luxury hotels. Other benefits include free valet parking, local and global concierge services, exclusive shopping offers covering retail, travel and leisure and more. Live a life of luxury, with the NBK Visa Signature Credit Card.


NBK Miles Program
Enjoy the best Miles program in Kuwait! Get NBK Miles points for every KD 1 that you spend locally and abroad with your NBK Visa Signature Credit Card. Redeem your NBK Miles points to book from over 800 airlines, 150,000 hotels worldwide, and world-renowned car rental companies. Conveniently book your travel online from anywhere, anytime of the year with no travel black-out dates. To request adding the NBK Miles Program to your NBK Visa Signature Credit Card please contact our Relationship Managers who are available via phone, email and in branches during working hours. They are always willing to visit you upon request.

Click here for details

Secure Online Shopping
If you are constantly worried if your credit card will be affected by fraud from your online purchases, NBK secure shopping is here to minimize this fear! NBK secure shopping is an online added security layer that protects credit cardholders’ online purchases from fraudulent use of their credit cards.

Complimentary International Airport Lounge Access

With Visa Signature your credit card gives you free access to over 500 airport lounges globally! For any guests accompanying you, your NBK Visa Signature Credit Card will be charged a flat rate of USD $27 per guest and per visit, at the time of visiting the lounge. You can also purchase access for your guests at highly competitive rates from your online lounge access account.
For a complete list of LoungeKey participating airport lounges available click here.

Discounts that Suit Your Status
To compliment your sophisticated  lifestyle, the card promises instant discounts at premium outlets across Kuwait. Additionally, your card provides you with global offers and discounts at fine restaurants, hotels and shops.

Free Valet Parking Services
There are times in Kuwait when you encounter a lack of parking spaces in popular areas. Not anymore. For your convenience, free valet parking services are available locally at selected malls and outlets for all NBK Visa Signature Credit Cardholders.

Please Click here for details

Exclusive Treatment at a Unique Portfolio of Hotels
Your NBK Visa Signature Credit Card brings you the benefits of the Visa Luxury Hotel Collection. You will experience unsurpassed value at around 1,000 world-class hotels from boutique properties to world-renowned venues and resorts.

You can expect the following benefits

  • Best available rate guaranteed
  • Automatic room upgrade upon arrival, when available
  • Free in-room Internet, when available
  • Complimentary continental breakfast daily
  • 3pm check-out, when available
  • VIP guest status

To explore the hotels and book, click here  

Fine Dining by Visa
Experience exclusive discounts and rewards with the largest fine dining program in Kuwait and the United Arabic Emirates. Your NBK Visa Signature Credit Card gives you instant discounts of up to 20% at over 100 participating restaurants.

For a list of participating restaurants, please click here 

Global Offers from Visa
With your NBK Visa Signature Credit Card you can enjoy worldwide exclusive offers from Visa at luxurious hotels, restaurants, retailers, and more.

For all Global Offers from Visa, please click here

Local Concierge Service
This convenient service makes life easier for you by taking care of everyday chores such as payment of school fees, car registration, travel arrangements, delivery of airline tickets and more.  
Click here for details

Global Concierge Service
Further to the current range of exclusive offerings, your NBK Visa Signature Credit Card gives you access to complimentary Visa Global Concierge services. The concierge is your 24 hour personal assistant, who will arrange dinner reservations, chauffeurs, taxis, theatre tickets, gifts, travel arrangements and anything required to enhance your leisure options and business travel. The service is complimentary. The concierge operates 24/7, is accessible worldwide via a network of toll-free numbers and provides multi-language support.

For click here for more details

Purchase Protection and Extended Warranty

Never again worry about expensive purchases being damaged or stolen. Your NBK Visa Signature Credit Card insures you against theft or accidental damage for up to a maximum of USD 20,000 per year, within one year from the date of purchase.

Your card also provides you with extended warranty on new purchases for a 12-month period in addition to the original manufacturer’s warranty period. Extended warranty covers repair or replacement of new purchases of up to USD 6,000 per year.

Click here for the Purchase Protection Insurance Policy, Terms and Conditions
Click here for the Extended Warranty Insurance Policy, Terms and Conditions

To inquire and to request a claim form please contact:

For more information, visit
24 hours assistance line +971 (4) 253 6024

Free Full Multi-Trip Travel Insurance
The exclusivity of your NBK Visa Signature Credit Card enables you to receive instant free travel insurance coverage of up to USD 500,000 when you purchase airline tickets with the card. The multi-trip travel insurance coverage protects you for international trips for up to 90 days.

Click here for the Travel Insurance Terms and Conditions

To inquire and to request a claim form please contact:

For more information, visit
24 hours assistance line +971 (4) 253 6024

Free Travel Insurance from Boubyan Takaful Insurance Company

Get free travel insurance coverage up to USD $500,000 with your airline ticket purchases. All air tickets purchased with your NBK Visa Signature Credit Card come with complimentary travel inconvenience insurance that protects you against personal accident, baggage loss or delay, and flight delay or cancellation.

yQ (meet & assist)

Enjoy the comfort, convenience and efficiency that your NBK Visa Signature Credit Card provides at airports. Experience fast-track immigration services at over 380 international airports with yQ (meet & assist). As you arrive at departures, or at your chosen location, yQ agents will be waiting for you at the air-bridge for arrivals, or at the curbside for departures. The agents will ensure that the stresses of traveling are minimal and queues non-existent. You will be escorted with the utmost courtesy, with no language barriers, through customs and immigration, ensuring that your specific requirements are met.

Please click here for more information.

NBK Rewards Program
Your NBK Visa Signature Credit Card entitles you to become part of the NBK Rewards Program, Kuwait’s largest loyalty program with more than 600 partner outlets. You are guaranteed rewards at hundreds of local and international brands in Kuwait to satisfy your fashion, dining and lifestyle needs.

- Zain AutoPay Facility: Get a 3% discount on the total monthly bill of your Zain Postpaid plan, when paying with your NBK Credit Card. With this facility your monthly bills will be settled automatically. Please visit any of Zain’s branches to get this special offer.
- Annual fee waived for the first year
- Annual fee is waived when you spend KD 7,500 with your primary card within the first year of receiving the card, and when KD 3,750 is spent with the supplementary card within the first year of receiving the card.
- Cash withdrawal – available for up to 100% of your credit limit
- Supplementary cards - for your immediate family members
- Flexible payment – the facility to repay in low, easy installments of 8.33% of your monthly outstanding balance or a minimum monthly pay of KD 20
- Secured online access – the facility to track your credit card information through NBK Online Banking
- Subscribe to real-time SMS alerts for secure transactions at home and abroad


Discounts and Offers

More information about Visa Signature Discounts and Offers

Terms & Conditions

Partner Offers Terms & Conditions:

  • Partner discounts are subject to availability and are not valid in conjunction with any existing in-store offer, discount or promotion.
  • Discounts are valid only if purchase is made using your NBK Visa card.
  • Offer is valid only for NBK Visa Card cardholders. Relatives of NBK Visa Card cardholders cannot benefit from discounts.
  • List of partners is subject to change  

Important tips from NBK


  • It is essential that you sign your card as soon as you receive it.
  • Be cautious when using the ATM. Enter your PIN in such a way that no one can memorize your keystrokes.
  • Always take your receipt – never leave it behind at the ATM. Your discarded receipt could make you vulnerable to credit card fraud. Also, don't throw out your credit-card statements, receipts or carbon copies without shredding them first.
  • Think twice when using your card on the phone. Never give your credit card number over the telephone unless you initiated the call.
  • Even when you place a call to a legitimate merchant, never give out your card number over a cordless phone or a mobile phone. One common scam is when someone calls you back right after you placed an order, and claims to be the merchant. The person will tell you that there was a problem with your card number, and asks you to provide your card number again. Play safe by asking that person to read out the card number that they have, and then you can change any incorrect numbers.
  • Ignore any credit card offers that require you to spend money upfront or fails to disclose the identity of the bank.
  • Make certain you get your card back after you make a purchase (one good habit to observe is to leave your wallet open in your hand until you have your card back). Also, make sure that you keep any void or cancelled charge slips.
  • Always keep a list of your credit cards, credit card numbers and toll-free numbers including NBK’s phone numbers handy, in case your card is lost or stolen. When calling NBK from Kuwait dial 1801801, and when calling NBK from abroad please dial +965 2224 8361.
  • Check your monthly statement to make sure all charges are your own, and notify NBK of any errors or unauthorized charges immediately.

Fees & Charges

    Card Type   Primary Card Supplementary Remark
 Miles WorldKD 100KD 100Charged for Primary and Supplementary cards from the first year of issuing the card
 Visa SignatureKD 100KD 50 
 World MasterCardKD 50KD 25 
Anual FeesPlatinumKD 50KD 25- NBK Credit Cards are free of annual fees in the first year (except for the Miles World MasterCard)
- 2nd year annual fees hit on the first statement that occurs after the card is issued.
  e.g. Card issued 15-01-12, card 1st annual fees 09-02-13
 Diners ClubKD 40KD 20 
 Laki/ TitaniumKD 40KD 20 
 GoldKD 40KD 20 
 ClassicKD 30KD 15 
Temporary excess
over limit fee
KD 5 regardless the over limit amount
Late fee on overdue amount0.75% or KD3.5 (whichever is higher)
Cash advance fee5% of the withdrawal amount
Min monthly payment For the Classic Visa, Classic MasterCard, and the Visa Zain card it is 8.33% of the total amount due, or KD 10 (whichever is higher). For all other credit cards it is 8.33% of the total amount due, or KD 20 (whichever is higher)   
Monthly flexible fees –
on revolving amount
0.9375% of the total amount due.  -(2.5% over discount rate + 0.5% monthly fees)  Yearly
-Calculated on the average daily balance from previous statement
 Card typeInstallment dateRemark
Statement date

Visa Card

2nd of each month
9th of each month
28th of each month
-Installment shall be deducted from 21st through the end of the month
-In case the customer has two cards (i.e. Visa and MasterCard), the monthly two installments on both cards shall be calculated on the 9th of each month.
-Installments shall fall due and be deducted from the 21st day through the end of the month or on the salary transfer day
Interest free  Grace periodUp to 59 days from transaction datee.g. Transaction date on 3rd Dec
1st installment date will be 2nd Feb, so if the payment received before 2nd Feb no interest will be calculated

Common Questions

  • Do I Need to be a Privilege Banking Member to Apply?
    This service is for NBK’s more discerning customers. In this regard, to be eligible for the Visa Signature Credit Card you must be a Privilege Banking Member.
  • What is the Annual Fee for NBK Credit Cards?
    NBK tries to make products as convenient as possible for you. Primary and supplementary credit cards are free for the first year and NBK only charges from the second year onwards. The annual fee varies, based on the type of credit card. For details contact NBK at 1801801.
  • At which Airport Lounges do I get Complimentary Access with My Card?
    You will be delighted to know that your card gives you access to over 500 lounges at more than 300 airports worldwide. For more details please visit
  • At which Luxury Hotels do I get Special Offers?
    Your card brings you a wealth of benefits at numerous 5 star properties worldwide. For a list of luxury hotels and for reservations, please visit
  • How do I get Free Valet Parking?
    It is a very simple process. All you have to do is present your NBK Visa Signature Credit Card at any Al Manar Valet Counter. The staff will take a copy of the card and give you a receipt every time you use it.
  • How can I Access the Local Concierge Service?
    Your NBK Visa Signature Credit Card provides a wealth of benefits. For local concierge services, call +965 22317788. The desk is managed by Qiblah Travel & Tourism and is open for business from 9am to 7pm every day, except Fridays and public holidays.
  • Are there Additional Costs for the Local Concierge Services?
    It is good know that most local concierge services are free, but some of the services have fees that will be charged to your card if you request those services.
  • How do I get Instant Discounts Offered for the NBK Visa Signature Credit Card?
    Using your instant discounts is easy. For immediate discounts simply inform the counter staff that you will be settling your bill with your NBK Visa Signature Credit Card.
  • What Supporting Documentation do I need when Applying for the Card?
    NBK makes applying easy too. All that is required is a copy of your Civil ID, a copy of your passport, a salary credit to NBK and a salary continuation certificate.
  • How can I get NBK Reward Points?
    Your NBK Visa Signature Credit Card makes receiving NBK Reward Points simple. Present your card at any NBK Partner Outlets to earn NBK Reward Points. For example, if you spend KD 100 at a partner outlet, you will earn KD 10 worth of NBK Rewards Points. NBK Rewards Points can be instantly redeemed at the Point of Sale machine when paying for your purchases at the participating outlets.
  • When I am Overseas, Should I Pay in KD or Another Currency?
    It is always best to pay in the currency of the country you are visiting, because NBK exchange rates are very competitive. Remember to only use KD in Kuwait.
  • What happens if My Credit Card is Lost or Stolen?
    If your card is lost or stolen, please call 1801801 immediately. NBK’s customer service representatives are available 24/7 to assist you. You can also call NBK at +965 2224 8361 if you are calling from abroad.
  • Do I need to Activate My Credit Card?
    Your security is a priority at NBK. To activate your card, simply contact the NBK Call Center at 1801801. This simple process ensures your security and peace of mind.
  • What are the Payment Options Available to Settle My Credit Card Dues?
    NBK makes paying bills flexible and easy. You can pay 8.33% of the monthly outstanding balance due or settle the outstanding amount in full.
  • What is the NBK Rewards program?
    It is Kuwait’s largest loyalty program with more than 600 partner outlets across the country. When using any of your NBK Credit Cards (Visa, MasterCard or Diners Club) at participating outlets, you will enjoy up to 20% off the transaction amount in the form of NBK Rewards Points. NBK Rewards Points can be instantly redeemed at the Point of Sale machine when paying for your purchases at the participating outlets.
  • How is the FX rate calculated when using NBK Cards abroad?
    The transaction amount in foreign currency will be converted to KD using the current exchange rate with a 2.75% markup to the rate.



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